Set on 5.75 private acres, 4431 Trail of Faith Court offers something increasingly difficult to find—a beautifully updated home surrounded by land, privacy, and endless potential. Whether your vision includes horses, gardens, orchards, additional outdoor living spaces, or simply the freedom to enjoy wide-open space, this exceptional property provides the foundation for the lifestyle you've been seeking. From the moment you arrive, the home's stately brick façade and elegant columns create a lasting first impression. Inside, a dramatic two-story foyer welcomes guests with abundant natural light and a sparkling crystal chandelier, setting the tone for a residence that balances sophistication with everyday comfort. Offering five bedrooms, three full baths, and one-half bath, the thoughtfully designed floor plan accommodates both relaxed family living and gracious entertaining. A private library with built-in bookshelves provides an ideal space for a home office, study, or quiet retreat. At the heart of the home, the beautifully updated kitchen combines timeless style with modern convenience, featuring new cabinetry, granite countertops, newer stainless-steel appliances, and updated flooring. Whether preparing a family meal or hosting guests, this inviting space is designed to bring people together. A bright sunroom offers views of the surrounding acreage, creating a peaceful place to enjoy morning coffee, unwind at day's end, or simply appreciate the beauty of the natural setting. Upstairs, the spacious primary suite provides a private sanctuary, complete with a separate shower and steamer for a spa-like experience at home. Bedrooms three and four share a generously sized Jack-and-Jill bath, thoughtfully designed with a separate linen closet for added convenience. Fresh interior paint throughout enhances the home's move-in-ready appeal, allowing the next owner to immediately begin enjoying everything this remarkable property has to offer. But beyond the home itself lies perhaps its greatest asset: 5.75 acres of opportunity. Imagine paddocks and riding trails for horses. Raised garden beds overflowing with seasonal harvests. Fruit trees, pollinator gardens, and outdoor entertaining spaces. A future pool, workshop, guest cottage, or expanded estate residence. Here, there is room to create, room to grow, and room to build a legacy that reflects your vision. Served by private well and septic, this property offers the serenity of country living while remaining conveniently located near shopping, dining, commuter routes, and everyday conveniences. For buyers seeking more than just a home—for those seeking a lifestyle defined by space, privacy, and possibility—4431 Trail of Faith Court presents a rare opportunity. Schedule your showing today.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
